BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
CFBK
CF Bankshares Inc.
CFBK has a slight edge over BAC overall, supported by stronger fundamentals and stronger modeled upside.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
CFBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CFBK's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFBK.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC has the edge over CFBK in the historical PE scenario, which offers more potential upside but is not a forecast.
CFBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $16.50 | -53% |
| Fair | 7.7x | $26.58 | -25% |
| Forward | 8.7x | $35.32 | — |
| Current | 10x | $35.32 | — |
| Expensive | 11x | $37.27 | +5.5% |
Historical ranges are pointers, not guarantees.
CFBK's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 8.7x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
CFBK Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CFBK, with profitability improving.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
CFBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.08 | +18% |
| Q3 2026 | $3.46 | +39% |
| Q2 2026 | $2.91 | +4.7% |
| Q1 2026 | $2.78 | +22% |
| Q4 2025 | $2.69 | +31% |
| Q3 2025 | $2.49 | +21% |
| Q2 2025 | $2.78 | +38% |
| Q1 2025 | $2.27 | -6.2% |
| Q4 2024 | $2.06 | -22% |
CFBK's earnings per share have fallen from their peak: $3.46 over the past year, against $5.13 in early 2021.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC's revenue has grown year over year for 10 quarters in a row: $30B last quarter, up 6.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
CFBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.7M | +7.7% |
| Q2 2026 | $16.5M | +6.2% |
| Q1 2026 | $14.8M | +4.9% |
| Q4 2025 | $15.7M | +13% |
| Q3 2025 | $15.5M | +19% |
| Q2 2025 | $15.6M | +24% |
| Q1 2025 | $14.1M | +16% |
| Q4 2024 | $14M | +9.3% |
CFBK has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +27 points |
| Q2 2026 | 44% | +2.8 points |
| Q1 2026 | 40% | +0.3 points |
| Q4 2025 | 43% | +6.5 points |
| Q3 2025 | 17% | -23 points |
| Q2 2025 | 41% | +26 points |
| Q1 2025 | 40% | +8.6 points |
| Q4 2024 | 37% | -3.5 points |
CFBK has the edge over BAC on profitability, with a higher operating margin.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
CFBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.4M | +61% |
| Q2 2026 | $5M | -36% |
| Q1 2026 | $4.6M | +115% |
| Q4 2025 | $3M | -76% |
| Q3 2025 | $5.2M | +$6.5M |
| Q2 2025 | $7.8M | +97% |
| Q1 2025 | $2.2M | +$3.3M |
| Q4 2024 | $12.4M | +56% |
CFBK has the edge over BAC on cash flow, with more consistent year-over-year improvement.
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has the edge over CFBK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
CFBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.8% | +112K shares |
| 1 year | +2% | +129K shares |
| 3 years | +0.3% | +18.9K shares |
| 5 years | -2.7% | -182K shares |
| Available history | +40% | +1.8M shares |
CFBK has 6M diluted shares, up 2% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $150,000 |
| Q4 2025 | $440,000 |
| Q3 2025 | $76,000 |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | $44,000 |
| Q1 2024 | $179,000 |
| Q4 2022 | — |
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC's net debt is about 6.4 years of its operating earnings (EBITDA), down from 8.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BAC.
CFBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -8.4x | Net Cash |
| Q2 2026 | -10.3x | Net Cash |
| Q1 2026 | -11.3x | Net Cash |
| Q4 2025 | -11.1x | Net Cash |
| Q3 2025 | -12.7x | Net Cash |
| Q2 2025 | -11.4x | Net Cash |
| Q1 2025 | -12.3x | Net Cash |
| Q4 2024 | -13.3x | Net Cash |
CFBK has the edge over BAC on leverage, with a lower net debt burden relative to earnings.
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
CFBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.7 | Neutral |
| Stochastic | 31.5 | Neutral |
CFBK's weekly RSI is 63 (neutral) and its Stochastic is 31 (neutral).
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
CFBK PE vs Financial Services Sector
| Metric | CFBK | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 22% below |
| PE % | 75 | 63 | 12 pts above |
CFBK has the edge over BAC on valuation relative to its sector.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
CFBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.4 | 2.7% above |
| 20 week MA | $34.4 | 2.7% above |
| 50 week MA | $30.9 | 14% above |
| 100 week MA | $27.2 | 30% above |
| 200 week MA | $23.5 | 51% above |
CFBK has the edge over BAC on trend strength, trading above more of its moving averages.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has finished higher in four of the last six years. It's down 10% so far in 2026.
CFBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.1 | $18.0 | +28% |
| 2021 | $18.0 | $21.5 | +19% |
| 2022 | $21.5 | $21.4 | -0.4% |
| 2023 | $21.4 | $19.5 | -8.8% |
| 2024 | $19.5 | $23.9 | +23% |
| 2025 | $23.9 | $25.9 | +8.2% |
| 2026 YTD | $25.9 | $35.3 | +36% |
CFBK has the edge over BAC on returns for 2026, with the stronger performance.